Generali travel booklet-mz indd

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1 Generali Travel Package Insurance 1

2 Content 1-9 Travel Package Insurance Plan Highlights Travel Package Insurance Basic Plan Optional Benefits 2 1

3 / 10 2,500 Travel Package Insurance Plan Highlights Plan. NEW 2 3

4 Coverage 1. Emergency Medical a) Medical Expenses b) Overseas Hospital Cash c) Medical Facility Extension 2. Personal Accident Single Trip Travel Plan a) Accident on Public Common Carrier or caused by armed Robbery b) Other Accident Annual Travel Plan c) Personal Accident Single Trip and Annual Travel Plan d) Burns Benefit 3. Worldwide Emergency Assistance Service a) Emergency Medical Evacuation b) Repatriation of Mortal Remains c) Travel Inconvenience a) Trip Cancellation b) Trip Curtailment or Re-arrangement c) Travel Delay d) Baggage Delay 5. Personal Belongings a) Personal Baggage b) Personal Money c) Loss of Travel Document d) Emergency Cash 6. Special Care a) Compassionate Visit b) Child Escort c) Credit Card Protection d) Consolation Benefit e) Hospital Income Plus f) Rental Vehicle Excess g) Compulsory Quarantine Cash Allowance 7. Legal Liability a) Personal Liability 8. Optional Benefit a) Additional Upgrade Personal Accident Benefits i) Upgrade Additional Personal Accident Benefit ii) Scarring of the Face Benefit iii) Kidnap Benefit Premier Plan 1,000,000 8,000 2,000,000 1,000,000 1,000, ,000 Actual Cost Actual Cost Included 2,000 1,000 3,000 10,000 10,000 50,000 8, ,000 1 Actual Cost Actual Cost Included 2,000 1, ,500 7,500 7, ,000 2,500 10,000 Actual Cost Actual Cost Included 2 2 2,000 1,000 10,000 2,000 10,000 10,000 10,000 2,000 3,000,000 2,000,000 1,000,000 Scale 2 1 ( ) Maximum Limit (HK$) Classic Plan 1,300, , , ,000 Scale 2 1 Standard Plan 700, , , ,000 Scale 2 1 b) ( ) Additional Cruise Benefits (Only for Premier Plan) i) Trip Cancellation ii) Trip Curtailment iii) Trip Re-arrangement iv) Cancellation of Cruise Trip v) Shore Excursion Cancellation Allowance vi) Shore Excursion Curtailment Allowance vii) Additional Benefit due to Involuntary Journey Extension viii) Satellite Phone Calls Expenses ix) Accidental Death on Voyage 10, ( ) 500 per day (Max. 5 days) 2, ,000 N/A N/A 4 5

5 Single Trip Travel Plan Basic Plan No. of Day(s) Premier Plan Individual Individual + Children* Family* , , , , , , , , , , , , , , , , , ,002 1, ,019 1,592 Each additional day ( ) Premium Table (HK$) Classic Plan Standard Plan Individual Individual + Children* Family* Individual Individual + Children* Family* Annual Travel Plan 2,850 N/A 5,130 1,950 N/A 3,510 1,050 N/A 1,890 China Medical Guarantee Card ( Only for Annual Travel Plan) 100 per person 100 per person 100 per person 6 7

6 Optional benefit Additional Urgrade Personel Accident Benefit ( ) Additional Cruise Benefit (Only for Premier Plan of Single Trip Travel) No. of Day(s) ( ) Premium Table (HK$) Premium of Basic Plan x1.25 ( ) Premium Table (HK$) Per Person , , , , , , , , , ,211 Each additional day 34 * " " " 17 " a 2b 2c 50% 17 ( ) 300% * Include all accompanying children aged 17 or below child(ren) aged 17 or below 8 9

7 1) Basic Plan a %10% / HK$ 150 HK$3,000 b. HK$ 500 c. 2) a. 2b b. c. d. 17 2a 2b 2c 50% 3) a. b. c

8 4) a. 30 / bi) / - - bii) c. 6 HK$500 d. 6 ( 4b(ii) 4c ) d. 24 HK$500 ( 5a 5b 5c 5d 24 4d 5a ) 6) a. 24 b. 17 c. d. e. 90 HK$300 f. g. 7 HK$ 500 5) 7) a. / / HK$3,000 HK$ HK$10,000HK$2,500 b. c. a. ( ) 12 13

9 Basic Plan Table Of Coverage 1) EMERGENCY MEDICAL a. Medical Expenses - Reimbursement of medical expenses, including outpatient, surgery and hospitalization arising from acc ident or sickness during the period of insurance - Follow-up medical treatment incurred within 90 days after returning to Hong Kong will be covered up to 100% of unused portion of sum insured for injury, and will be covered up to 10% of unused portion of sum insured for sickness. This benefit also includes expenses for registered / listed chinese herbalist, chinese bonesetter and acupuncturist up to HK$150 per visit per day, max. HK$3,000 b. Overseas Hospital Cash HK$500 per day will be payable if necessarily confined in a hospital due to accident or sickness overseas during the period of insurance c. Medical Facility Extension Reimbursement on cost of medical facilily equipment and installation for household and daily purpose, as a result of accidental permanent total disablement 2) PERSONAL ACCIDENT For Single Trip Travel Plan a. Accident whilst on a Public Common Carrier or caused by armed robbery - Double Indemnity In the event of death or disablement arising as a result of an accident sustained during the period of insurance while riding as a passenger in a public common carrier or caused by armed robbery, benefits payable will be doubled from 2b Personal Accident. b. Other Accident In the event of death or disablement arising as a result of an accident other than on Public Common Carrier or caused by armed robbery, maximum benefits up to the limit stated in the coverage will be payable For Annual Travel Plan c. Personal Accident In the event of death or disablement arising as a result of an accident, maximum benefits up to the limit stated in the coverage will be payable For Single Trip and Annual Travel Plan d. Burns Benefit Compensation for Second or Third Degree Burn of body surface arising from accident abroad (for those aged 17 or below, coverage 2a is not applicable; coverage 2b or 2c will be 50%) 3) WORLDWIDE EMERGENCY ASSISTANCE SERVICE a. Emergency Medical Evacuation Necessary evacuation to Hong Kong or nearest place for appropriate medical treatment due to serious injury or sickness. Payment on actual cost basis without any limit so to ensure adequate protection b. Return of Mortal Remains Necessary arrangement to return deceased insured person's mortal remains to Hong Kong c. 24-hours Worldwide Emergency Assistance Services Including hospital admission guarantee, phone medical advice and evaluation, referral to doctors and hospitals, medical evacuation and repatriation, referral to legal service and emergency travel service 4) TRAVEL INCONVENIENCE a. Trip Cancellation (This coverage is effected within 30 days before commencement of the insured trip or after policy issuance, whichever is later) Reimbursement for the loss of travel expenses, including travel fare, tour fee and/or accommodation expenses paid in advance, in the event of cancellation of the trip due to : - death or serious injury or serious sickness of the insured person, immediate family member, close business partner or traveling companion; - sudden occurrence of strike by the employees of a public common carrier, unanticipated outbreak of riot, civil commotion, terrorism, natural disaster, epidemic or unexpected issuance of a Black Alert at the planned destination within one week before the departure date; - witness summons, jury service or compulsory quarantine of the insured person; - serious damage to insured person's home arising from fire, flood or natural disaster within one week before the departure date b. i) Trip Curtailment Reimbursement for the additional or forfeited travel fare and/or accommodation expenses incurred arising from: - death, serious injury, serious sickness or hijack of the insured person, immediate family member, close business partner or travelling companion; - sudden occurrence of strike by the employees of a public common carrier, unanticipated outbreak of riot or civil commotion, adverse weather conditions, natural disasters, terrorism, epidemic or unexpected issuance of a Black Alert at the planned destination 14 15

10 OR b. ii) Trip Re-arrangement Reimbursement for the additional travel fare and/or accommodation expenses incurred upon having to re-route the planned trip arising from: - sudden occurrence of strike by the employees of a public common carrier, unanticipated outbreak of riot and civil commotion, terrorism, adverse weather conditions, natural disaster, epidemic or unexpected issuance of a Black Alert at the planned destination - delayed by public common carrier over 24 hours which cause to miss the next scheduled conveyance c. Travel Delay HK$500 cash for each full 6 hours delay if the scheduled public common carrier is delayed due to adverse weather conditions, natural disasters, terrorism, equipment failure, hijacking or strike by the employees of the public common carrier d. Baggage Delay Compensation for emergency purchases due to over 6 hours delay of accompanied baggage abroad (No benefit will be provided for the claim under both coverage 4b(ii) Trip Rearrangement and coverage 4c Travel Delay due to same event.) 5) PERSONAL BELONGINGS a. Personal Baggage Indemnify for loss of or damage to personal baggage arising from accident, theft or robbery during the trip. Every set/pair of item up to HK$3,000; sports equipment up to HK$ per set/pair; laptop computer up to HK$10,000 per set/item; mobile phone up to HK$2,500 per item b. Personal Money Reimburse for the loss of cash, bank notes, traveler's cheques and/or money order as a result of accidental loss, theft, robbery or burglary c. Loss of Travel Document Reimburse for the additional transportation, accommodation and document replacement cost arising from loss of essential travel documents abroad d. Emergency Cash If the insured person has to necessarily stay behind due to loss of or damage to essential travel documents abroad, the company shall pay HK$500 each calendar day until the documents are recovered, or the insured person can leave the place where loss occurred (For the claims of coverage 5a, 5b, 5c, 5d, police report must be obtained locally within 24 hours and submitted with original copy and receipts; No benefit will be provided for the claim under coverage 4d Baggage Delay and coverage 5a Personal Baggage due to same event.) 6) SPECIAL CARE a. Compassionate Visit Indemnify for the additional traveling and accommodation expenses necessarily incurred by an immediate family member to fly over or by one accompanying traveling companion to stay behind with the insured person who is hospitalized or passed away abroad b. Child Escort Indemnify for the additional traveling and accommodation expenses for returning the insured person's accompanying child(ren) who is (are) aged 17 or below and no other adult accompanied the child(ren) back to Hong Kong if the insured person passes away or sustains serious injury or sickness abroad c. Credit Card Protection In the event of death of the insured person due to accident abroad, the unsettled credit card purchases during the period of insurance and charges incurred will be compensated d. Consolation Benefit Compensation will be payable for the insured person's immediate family member if the insured person passed away as a result of sudden injury or sickness abroad within the period of insurance e. Hospital Income Plus HK$300 cash per day within a 90 days period after returning to the home country if the insured person is confined to a hospital due to serious injury or sickness sustained abroad f. Rental Vehicle Excess Reimbursement for the excess, which the insured person is liable under part of hiring agreement, if the insured person rents or hires a rental vehicle during the period of insurance and the vehicle is involved in a collision whilst under his/ her control, or it is damaged, or stolen during parking Special Condition: The insured person must purchase relevant comprehensive motor vehicle insurance arranged by the rental organization against loss of or damage to the rental vehicle during the rental period g. Compulsory Quarantine Cash Allowance HK$500 per day will be payable for each complete day of compulsory quarantine due to infection with an infectious disease during the covered trip or within 7 days upon return to Hong Kong 7) LEGAL LIABILITY a. Personal Liability Covers the insured person against legal liability for bodily injury or properly damage to a third party due to the insured person's negligence. The company shall take over for any settlement that is being made (Not applicable for any driving or rental of automobile, aircraft and watercraft) 16 17

11 8) a) 25% i) ii) iii) Optional Benefits i) % 2 100% 3 100% 4 100% 5 100% 6 100% 7 100% 100% 100% 8 100% 9 100% 10 75% 15% 11 50% 12 50% 13 70% 50% 14 40% 30% 18 19

12 15 30% 15% 20% 10% 16 15% 10% 7.5% 10% 7.5% 5% 17-20% - 7.5% - 5% 18 15% 19 10% ii) b) ( ) i) - 90 / - - ii) iii) HK$ iv) iii) HK$ v) HK$1,500, HK$10,

13 vi) vii) viii) ix) ( ) ( ) AIDS 22 23

14 8) Optional Benefits a.) Additional Upgrade Personal Accident Benefit Insured person can gain the following extensive protection by only paying an extra 25% of the original premium, so as to enjoy a wonderful trip with no worry i) Upgrade Additional Personal Accident Benefit ii) Scarring Of The Face Benefit iii) Kidnap Benefit i) UPGRADE ADDITIONAL PERSONAL ACCIDENT BENEFIT Unlike most of the similar travel products in the market which only indemnify for accidental death, permanent total disablement of one limb or both limbs caused by accident, permanent total loss of sight or hearing, the "Upgrade Additional Personal Accident Cover" provides a wider coverage for personal accident compensation Compensation Table Events Percentage of Amount of Benefits 1. Loss of Life 100% 2. Permanent Total Disablement 100% 3. Permanent and Incurable Paralysis of all Limbs 100% 4. Permanent Total Loss of Sight of both Eyes 100% 5. Permanent Total Loss of Sight of one Eye 100% 6. Loss of or the Permanent Total Loss of use of two Limbs 100% 7. Loss of or the Permanent Total Loss of use of one Limb Right Hand 100% Left Hand 100% One Foot 100% 8. Loss of Speech and Hearing 100% 9. Permanent and incurable Insanity 100% 10. Permanent Total Loss of Hearing in both Ears 75% one Ear 15% 11. Loss of Speech 50% 12. Permanent Total Loss of the Lens of one Eye 50% 13. Loss of or the Permanent Total Loss of use of four Fingers and Thumb of Right Hand 70% Left Hand 50% 14. Loss of or the Permanent Total Loss of use of four Fingers of Right Hand 40% Left Hand 30% 15. Loss of or the Permanent Total Loss of use of one Thumb both Right Joints 30% one Right Joint 15% both Left Joints 20% one Left Joint 10% 16. Loss of or the Permanent Total Loss of use of Fingers three Right Joints 15% two Right Joints 10% one Right Joint 7.5% three Left Joints 10% two Left Joints 7.5% one Left Joint 5% 17. Loss of or the Permanent Total Loss of use of Toes all toes - one Foot 20% great - both Joints 7.5% great - one Joint 5% 18. Fractured Leg or Patella with established non-union 15% 19. Shortening of Leg by at least 5cm 10% 20. Permanent Disablement not otherwise provided for under Events 10 to 19 inclusive. Such percentage of the Principal Sum Insured as the Company shall in its absolute discretion determine and being in its opinion not inconsistent with the Compensation provided under Events 10 to 19 inclusive ii) SCARRING OF THE FACE BENEFIT In the event of the insured person suffers bodily injury results in permanent disfigurement or permanent scarring of the face of at least, one square centimeter or two centimeters in length to be certified by physician, the company will pay the amount insured up to HK$. The amount of insured payable will not take into account any psychological effects iii) KIDNAP BENEFIT If during the period of insurance an insured person is kidnapped, the company shall pay a daily benefit of HK$500 for each completion of twenty-four (24) hours or subsequent endorsement(s) (if any) per any one accident subject to a maximum of thirty (30) days. Kidnapped means the illegal abduction and holding hostage of one or more insured person for the purpose of demanding. Police report for such kidnapping must be obtained 24 25

15 (Only for Premier Plan of Single Trip Travel) i) TRIP CANCELLATION - This coverage is effected to cover the insured trip under the following event within 90 days before commencement of the insured trip event of cancellation of the trip due to death or serious injury or close business partner or traveling companion. - Other terms and conditions are same as "Basic Plan" - Additional amount per benefit item with same terms of "Basic Plan" ii) TRIP CURTAILMENT Additional amount per benefit item with same terms of "Basic Plan" iii) TRIP RE-ARRANGEMENT Additional amount per benefit item with same terms of "Basic Plan" iv) CANCELLATION OF CRUISE TRIP trip is cancelled due to arrival delay of the flight more than 12 hours which v) SHORE EXCURSION CANCELLATION ALLOWANCE travel companion; vii) ADDITIONAL BENEFIT DUE TO INVOLUNTARY JOURNEY EXTENSION viii) SATELLITE PHONE CALLS EXPENSES ix) ACCIDENTAL DEATH ON VOYAGE Major Exclusions (applicable to all coverages) vi) SHORE EXCURSION CURTAILMENT ALLOWANCE due to adverse weather conditions or natural disaster at the place of the 26 27

16 China Medical Guarantee Card (Only for Annual Travel Plan) Remarks: If the accident/sickness or relevant expenses are not covered under the insurance, the insured person shall be fully responsible for all relevant expenses on his/her behalf. Important Notes contact us for approval travel insurance policies underwritten by Assicurazioni Generali S. p. A., Hong Kong Branch for the same trip, only the travel insurance policy with the greatest compensation will apply and benefits thereunder be payable in the event the covered trip is being unavoidably delayed (limited to administrative duty) only and not applicable to tour guide/escort (eg. performance, machine operation) territory should be subject to the terms and conditions of the policy 28 29

17 About Generali Our Generali entities in Hong Kong have been providing comprehensive insurance and investment protection to individuals and organizations since the 1970s. Over the years, we have come to understand the individual requirements of our clients, and are continuously adapting and innovating to meet their changing needs. The Generali Group is one of the largest global insurance providers. We pride ourselves for our history of over 185 years and we are listed amongst the Fortune Global Top 50 companies with 2016 total premium income of more than 70 billion. With above 74,000 employees worldwide serving 72 million insured persons in more than 60 countries, the Group occupies a leadership position in Western European markets and an increasingly important place in Asia and Central and Eastern Europe. Generali and its core subsidiaries have been affirmed A ^ Best Financial Strength Rating by A.M. Best. For our Group s financial strength, we have consistently received high ratings by independent agencies. Generali is also ranked among the world s 50 smartest companies in 2015 according to the MIT Technology Review and we are the only insurer on the list. Company information as at April 2017 ^Rating affirmed by A.M. Best as at November 2016 For details, please contact your insurance advisers or our Company Representatives /F, Generali Tower, 8 Queen s Road East, Hong Kong Tel: (852) Fax: (852) A&H@generali.com.hk Hong Kong Branch A&H@generali.com.hk Hong Kong Branch Website:

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